It is is a decade since I bought my house in Boreham. Conveyancing lawyers have recently been instructed on the sale but I am unable to track down my deeds. Will this cause complications?

You need not be too concerned. First there is a chance that the deeds will be kept by the mortgage company or they could still be with the lawyers who handled your purchase. Secondly the likelihood is that the land will be recorded at the land registry and you will be able to prove you are the registered owner by your conveyancing solicitors acquiring up to date copy of the land registers. The vast majority of conveyancing in Boreham relates to registered property but in the unlikely event that your home is unregistered it adds to the complexity but is not insurmountable.

My husband and I intend to purchase a newly converted apartment in Boreham with a homeloan from .We like our Boreham conveyancing solicitor but informed us her practice is not on their "panel". We have to appoint a panel lawyer or keep our high street solicitor and fork out for one of their panel ones to represent them. This seems very unfair; is there anything we can do?

No, not really. The loan offered to you is subject to its terms and conditions, a common one being that lawyers must be on the conveyancing panel. Until recently, most mortgage companies had large numbers of law firms on their panels: a borrower could find one for themselves, as long as it was on the lender's panel. The lender would then simply instruct the borrower's lawyers to act for the lender, too. You can use your lender's panel lawyers or you could borrow from another lender which does not restrict your choice. A further alternative is for your solicitors to apply to be on the conveyancing panel for

I am buying a property and the conveyancer has referenced Chancel Repair to which the house may be liable given it’s proximity to the area of such a church. He has mentioned insurance. Is this really appropriate for conveyancing in Boreham

Unless a previous acquisition of the property completed post 12 October 2013 you may assume that solicitors delivering conveyancing in Boreham to continue to recommend a chancel search and or insurance against a claim.

I decided to have a survey carried out on a house in Boreham before retaining solicitors. I have been advised that there is a flying freehold overhang to the house. My surveyor has said that some banks tend not give a loan on this type of premises.

It depends who your proposed lender is. HSBC has different instructions for example to Birmingham Midshires. If you e-mail us we can check with the relevant mortgage company. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Boreham. Conveyancing can be more complicated and therefore you should check with your conveyancing solicitor in Boreham to see if the conveyancing will be more expensive.

I am the registered owner of a 1st floor flat in Boreham, conveyancing having been completed 1995. Can you work out an approximate cost of a lease extension? Similar flats in Boreham with an extended lease are worth £165,000. The average or mid-range amount of ground rent is £45 yearly. The lease finishes on 21st October 50

With only 50 years unexpired the likely cost is going to range between £36,100 and £41,800 plus professional fees.

The suggested premium range that we have given is a general guide to costs for extending a lease, but we cannot give you a more accurate figure without more detailed investigations. You should not use the figures in a Notice of Claim or as an informal offer. There are no doubt other issues that need to be considered and clearly you should be as accurate as possible in your negotiations. Please do not take any other action placing reliance on this information before seeking the advice of a professional.